陕西省靖边县人民法院民事判决书                          （2020）陕0824民初341号     原告：黄秀林，女，1972年8月15日出生，汉族，，身份证号码:612XXXXXXXXXXXXXXX，联系方式：1871764****。委托代理人：陈忠，陕西辅衡律师事务所律师，联系方式:1871764****。被告：中国人寿财产保险股份有限公司靖边支公司。住所地，靖边县XX路XX层、四层。法定代表人邢向晶，系公司经理。委托代理人：任小强，男，1985年6月19日出生，住榆林市榆阳区，身份证号码：612XXXXXXXXXXXXXXX，系公司员工，联系方式：1899229****。    原告黄秀林与被告中国人寿财产保险股份有限公司靖边支公司（以下简称：人寿保险公司）保险纠纷一案，本院于2020年1月8日立案受理后，依法组成合议庭，于2020年11月12日公开开庭进行了审理。原告黄秀林委托代理人陈忠与被告人寿保险公司委托代理人任小强到庭参加了诉讼。本案现已审理终结。    原告向本院提出诉讼请求：1、依法判令被告赔偿原告车辆损失费29525元、鉴定费1000元、施某某800元，共计31325元；2、本案的诉讼费用由被告承担。事实和理由：2019年8月13日16时55分，李某某驾驶陕KXXXXX号“夏利”牌小轿车（上载：樊某某），由北向南行至靖边县靖志路3KM处，与前方同向黄小艳驾驶的陕KXXXXX号“翼豹”牌小轿车发生追尾碰撞，造成李某某、樊某某受伤、两车受损的道路交通事故。2019年8月27日，经靖边县公安局交通警察大队道路交通事故认定书认定，当事人李某某承担此次事故的全部责任，黄小艳、樊某某不承担责任。事故发生后，原告就车辆损失要求被告理赔，被告拒不理赔。原告诉至法院。 被告人寿保险公司辩称, 对事故真实性及责任划分无异议，对于原告的合理损失，              其公司愿意在商业险范围内承担赔偿责任，由于原告在本次事故中无责任，其公司会在赔偿后向责任方追偿，原告应向其公司提供责任方的身份证、保单、联系方式。诉讼费、鉴定费并非代位赔偿的相关费用，其公司并非事故侵权方，不应承担相关责任。当事人围绕诉讼请求依法提交了证据，本院组织当事人进行了证据交换和质证。对当事人无异议的证据，本院予以确认并在卷佐证。对有争议的证据和事实，本院认定如下：对原告向法庭提交的第四组证据司法鉴定意见书1份，因该鉴定结论客观真实，本院依法予以确认。被告人寿保险公司质证认为原告车辆损失鉴定过高，且与提供的维修清单项目金额不符，主张按照实际损失履行赔偿责任，因被告人寿保险公司在原告通知其鉴定时未参与鉴定，其在事故发生后已经进行现场拍照等措施，且其并未提交证据证明原告车损鉴定项目损失过高的事实，故本院对其质证意见不予采信。31650本院根据双方当事人的举证、质证以及法庭认定，查明以下事实：    2019年8月13日16时55分，李某某驾驶陕KXXXXX号“夏利”牌小轿车（上载：樊某某），由北向南行至靖边县靖志路3KM处，与前方同向黄小艳驾驶的陕KXXXXX号“翼豹”牌小轿车发生追尾碰撞，造成李某某、樊某某受伤、两车受损的道路交通事故。2019年8月27日，经靖边县公安局交通警察大队道路交通事故认定书认定，当事人李某某承担此次事故的全部责任；黄小艳、樊某某不承担责任。经原告申请，陕西辅衡律师事务所委托，陕西省泰达资产评估有限公司于2019年9月28日作出陕西泰达车评综字【2019】第003号资产评估报告书，评定陕KXXXXX号翼豹JF1GH78F08G小轿车事故损失总额为人民币29525元。原告支出鉴定费1000元。陕KXXXXX号翼豹牌小轿车登记车主系原告黄秀林，黄秀林在被告人寿保险公司为该车购买了商业险一份，其中机动车损失保险责任限额为67280元，且不计免赔，保险期间为2018年12月2日至2019年12月1日。被告人寿保险公司于2020年4月15日向本院申请对陕KXXXXX号翼豹牌小轿车的车损配件换修方案及价格进行鉴定，本院依法进行委托，榆林市天佑价格评估有限公司于2020年10月20日向本院发出《退卷函》，因原告车辆已经修复，且无法找更换旧件及第一次定损照片，故无法完成鉴定，将委托书及相关资料退还本院。本院认为，本案争议焦点原告损失应当如何赔偿，原告的损失数额。本案中，原告黄秀林在被告人寿保险公司处为陕KXXXXX号翼豹牌小轿车投保了机动车损失险一份，原、被告之间保险合同合法有效，本院依法予以确认。原告作为被保险人，其投保的陕KXXXXX号翼豹牌小轿车发生保险事故造成车辆损失，被告人寿保险公司应当按照保险合同的约定在机动车损失保险责任限额内向原告承担理赔责任。关于原告损失数额。原告车辆损失经陕西省泰达资产评估有限公司作出的陕西泰达车评综字【2019】第003号资产评估报告书评定为29525元。被告人寿保险公司认为该鉴定系原告单方委托，其公司未参与，车辆损失依据不足，车辆损失现状与交通事故关联性无依据，本院认为原告提交了证据证明在鉴定前通知了被告工作人员参与鉴定，被告工作人员称已经勘验事故现场并拍照，且放弃参与鉴定，故本院对被告的辩解意见不予支持，对原告提交的评估报告依法予以确认。故被告应当按照保险合同约定向原告赔偿车辆损失费29525元。关于鉴定费，根据《中华人民共和国保险法》第六十四条规定，鉴定费系原告为了确定其损失程度所支付的必要的、合理的费用，故鉴定费1000元应当由被告人寿保险公司承担。关于施某某，确系原告的合理支出，且被告质证无异议，故本院对施某某800元依法予以支持。关于诉讼费，根据《诉讼费用缴纳办法》第二十九条规定，诉讼费由败诉方负担。故本院对被告人寿保险公司不承担诉讼费的主张不予支持。800综上所述，依照《中华人民共和国合同法》第八条、第六十条、《中华人民共和国保险法》第十四条、第六十四条、《最高人民法院关于民事诉讼证据的若干规定》第四十一条之规定，判决如下：由被告中国人寿财产保险股份有限公司靖边支公司于本判决生效之日起十日内在商业险责任限额内赔偿原告黄秀林车辆损失费29525元、鉴定费1000元、施某某800元,共计31325元。如果未按照本判决指定的期间履行给付金钱义务，应当依照《中华人民共和国民事诉讼法》第二百五十三条之规定，加倍支付迟延履行期间的债务利息。案件受理费582元，由被告中国人寿财产保险股份有限公司靖边支公司负担。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                如不服本判决，可在判决书送达之日起十五日内向本院递交上诉状，并按对方当事人的人数提出副本，上诉于陕西省榆林市中级人民法院。双方当事人在法定上诉期内均未提出上诉或仅有一方上诉后又撤回的，本判决发生法律效力，当事人应自觉履行判决的全部义务。一方不履行的，自本判决内容生效后，权利人可以向人民法院申请强制执行。申请执行的期限为二年，该期限从法律文书规定履行期间的最后一日起计算。                                                     审  判  长   牛怀玉                           人民陪审员   王新闻人民陪审员   付永刚                           二O二O年十一月二十日                             书  记  员   魏园园1